Guaranteed Mastercard®
Find out if you’ll be pre-approved1 with no risk to your credit score.
Find out if you’ll be pre-approved1 with no risk to your credit score.
See if you’ll be pre-approved See if you’ll be pre-approved & apply Guaranteed credit card approval3
Protect your credit against fraud4
Security funds may be required
How it works
Step 1
Use your card
Step 2
Pay on time
Step 3
Build credit
You’re guaranteed approval if you meet these four conditions
You may need to provide security funds. Learn more.
-
You meet the legal age requirement
You’re at least the age of majority in your province or territory of residence. -
You’re authorized to have credit
You don’t have a frozen credit profile and your eligibility for credit is not prohibited for legal or regulatory reasons. -
You don’t have any pending applications
You don’t have an existing Capital One account or a pending application for one. -
Your account is in good standing
You haven’t applied for a Capital One account more than once in the last 30 days, haven’t had a Capital One account that was not in good standing in the last year, and aren’t in legal recoveries with Capital One.
Build your credit with confidence
Build and rebuild your credit and gain access to Mastercard benefits with the Capital One Guaranteed Mastercard. With responsible use, this card can help you achieve your financial goals and improve your credit score.
More than just a credit card
You’ve got this and we’ve got you. That’s why all of our cards come with a range of
features, tools and services to help you get the most out of your card.
Stay secure and in touch with your account
Get notified about unexpected charges
Know about any suspicious card activity as it happens, and get alerted to unexpected charges like bill hikes and double charges and more.
Customize alerts to suit your needs
Get help remembering when payments are due, know when you’re close to your credit limit and more great alerts to help you stay on top of your credit.
Manage your account from anywhere with our app
Learn more
Track your credit score for free with Credit Keeper®
Learn more
Get personalized customer support
Self-serve support
with our Support Centre
Live chat
in your account online
24/7 live agents
on call, any time
You asked, we answered
Documents
More info
1 If Capital One pre-approves you for a credit product, you can be sure we’ll approve your application, except in limited circumstances. Some of the reasons we may not approve your application, among others, include:
- There’s been a change in your credit file information, personal information, financial status, or our credit decision criteria, from the time you’ve been given a pre-approval offer to the time Capital One makes a decision about your application.
- Your application is flagged for fraud prevention.
- You have an existing Capital One account.
- You’ve applied for a Capital One credit product in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.
- (For Quebec Residents only): In some cases, based on your maximum desired credit limit.
In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.
If you’ve received multiple pre-approval offers, accepting one may invalidate the others.
2 This forum is designed for Capital One cardholders to rate their experiences with products and services offered by Capital One and its affiliated companies. Products or service requirements, price, and features can depend on cardholder choices as well as the applicable laws and the specific product or service contracts of the cardholder, which may vary by jurisdiction and the date on which they obtained their card. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above. Capital One does not guarantee the accuracy of cardholder posts and no review represents the opinion of Capital One or financial advice.
3 You’re guaranteed to be approved for a Capital One Mastercard as long as you:
- Are at least the age of majority in your province or territory of residence;
- Don’t have a frozen credit profile and your eligibility for credit is not prohibited for legal or regulatory reasons;
- Don’t have an existing Capital One account or a pending application for one; and
- Haven’t applied for a Capital One account more than once in the last 30 days, haven’t had a Capital One account that was not in good standing in the last year, and aren’t in legal recoveries with Capital One.
4 We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card. Conditions apply.
Legal
Billing Cycle/Statement Period: The duration of each billing period for which a statement may be provided varies. It is typically between 28 and 31 days.
Annual Fee: $0
Interest-Free Grace Period: You will benefit from an interest-free grace period of at least 25 days on new purchases and standard balance transfers if you pay off your new balance in full by the payment due date. There is no interest-free grace period on cash advances, special balance transfers and interest charges.
Minimum Payment : If you reside anywhere other than the province of Quebec, your required minimum payment will be the greatest of: (i) The sum of (a) 1% of your new balance, (b) any interest charges you may have, and (c) 1/12th of your annual fee, rounded down to the nearest dollar, plus any past due required minimum payment amount; or (ii) $10 plus any past due required minimum payment amount.
If you reside in Quebec, your required minimum payment will be the greatest of: (i) 5% of your new balance plus any past due required minimum payment amount; or (ii) $15 plus any past due required minimum payment amount.
If your required minimum payment exceeds your total balance, we’ll only require the total balance. If you are over limit by more than your required minimum payment, we’ll request the full over limit amount.
| Annual Interest Rates | Average Daily Balance | ||
|---|---|---|---|
| $100 | $500 | $1,000 | |
| 21.9% | $1.83 | $9.13 | $18.25 |
| 25.9% | $2.16 | $10.79 | $21.58 |
Purchase Assurance, Extended Warranty, Car Rental Collision/Loss Damage Waiver and Baggage Delay insurance are underwritten by American Bankers Insurance Company of Florida (ABIC), while Price Protection Service is a service provided by ABIC. Common Carrier Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.
Apple and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
